Another thing to keep in mind - if your kid is 10 or older, congratulations, they're an adult in the eyes of Disney, so this can make huge difference in the cost for you (plus, very few 10 year olds eat adult-sized meals at Disney restaurants, in my experience). The last time we used the dining plan, my daughter was 10, and it was a disaster. All she wanted were the kid meals, so you're either paying for a plate of pasta with an adult dining credit, or paying out of pocket for the kid meal. I think we ended up leaving several dining credits unused that trip.